LOS ANGELES, CA, UNITED STATES, January 29, 2026 /EINPresswire.com/ — The Consumer Financial Protection Bureau (CFPB) has announced its annual inflation adjustment to the Fair Credit Reporting Act (FCRA) disclosure fee cap, setting the maximum allowable charge at $16.00 for calendar year 2026. The new cap, which represents a $0.50 increase from 2025, takes effect January 1, 2026, and affects consumer reporting agencies and the broader credit reporting ecosystem. For more information on Data Furnishers see https://www.isoftpull.com/resources/data-furnisher . iSoftpull, a leading provider of credit reporting software solutions, is monitoring the regulatory update and its implications for data furnishers and consumer reporting agencies across the industry.
Understanding the Fee Adjustment
The CFPB calculates the annual fee cap by applying changes in the Consumer Price Index for All Urban Consumers from September 1997 through September 2025 to the statute’s $8.00 baseline, rounding to the nearest fifty cents as mandated by FCRA. While nationwide consumer reporting agencies must provide consumers with one free annual credit file disclosure upon request, the $16 fee cap applies to additional disclosures requested beyond the complimentary report.
Industry Impact and Compliance Requirements
Consumer reporting agencies and market participants that facilitate consumer file disclosures must update their fee schedules, consumer-facing disclosures, and operational systems to reflect the new $16.00 cap by the January 1, 2026 effective date.
“This annual adjustment is a routine but important regulatory function that reminds all participants in the credit reporting ecosystem of their ongoing compliance obligations,” said Dan Daniel, Founder of iSoftpull and credit reporting expert. “While the fee increase directly affects consumer reporting agencies, data furnishers should view this as a signal that regulatory oversight of credit reporting accuracy and consumer rights remains a top priority. The CFPB continues to emphasize the importance of transparency, accuracy, and consumer access to credit information.”
Daniel added, “Data furnishers play a critical role in ensuring the integrity of the credit reporting system. As we move into 2026, furnishers should focus on maintaining robust policies and procedures that ensure the accuracy of the information they provide to consumer reporting agencies. With heightened regulatory scrutiny across the industry, now is the time to review compliance programs and invest in solutions that streamline accurate credit reporting.”
The Broader Regulatory Landscape
The fee cap adjustment comes amid increased CFPB attention to credit reporting accuracy, dispute handling, and data furnisher obligations under FCRA. Recent regulatory developments include proposed rules affecting data brokers, enhanced consumer data rights, and initiatives to facilitate collective dispute resolution for systemic reporting errors.
About iSoftpull
iSoftpull provides comprehensive credit reporting software solutions designed to help data furnishers maintain accuracy and compliance with FCRA requirements. The company’s Metro 2 Credit Reporting Software enables furnishers to efficiently import, validate, and transmit consumer credit data to reporting agencies while ensuring data integrity and regulatory compliance.
Dan Daniel
iSoftpull
+1 760-579-6171
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